Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.3 on a scale of 0 to 10). A current level of 11.4 percent of nonperforming loans to core capital combined with 3.0 percent from a year earlier contributes to the Good asset quality (5.1).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 12.4. Operating profits as a percentage of assets at 1.7%, coupled with a return on assets of 1.7 has resulted in Excellent (7.2) profitability.
Asset Mix:
Securities (18%), comm loans (17%), comm re (17%), home mtgs (11%), cash (2%), consumer loans (1%), other (35%)
States with Branches:
OK
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
F&M Bancshares, Inc.
Investment Rating
--
Address
17100 North May Avenue
Edmond, OK 73012
Edmond, OK 73012
Phone Number
(405) 715-1100
Year Founded
1902
FDIC Number
Website
Largest Affiliates
No affiliate information available.